Motor Fleet Insurance
Tailored protection for businesses where mobility drives success.
Fleet Insurance Is Not Just a Commodity Purchase
Any business operating a fleet of vehicles knows that motor insurance is a significant cost and that the quality of the programme behind it can make a real difference.
The risks extend far beyond the vehicles themselves. Driver management, claims performance, vehicle usage, and the goods or passengers being carried all influence your risk profile and the effectiveness of your insurance programme.
We understand that no two fleets operate in the same way, and we don't take a one-size-fits-all approach. We take the time to understand how your vehicles are used, the challenges you face, and the risks that matter most to your business.
Our Approach: Manage the Risk, Not Just the Renewal
Fleet insurance is an area where ongoing management delivers real value. Claims frequency, driver behaviour, and vehicle maintenance all affect your premium over time, and working with a broker who monitors your claims data and helps you identify emerging trends means you're not just reacting to increases at renewal.
We have the market access to place fleet business across a wide range of insurers, including those who specialise in specific vehicle types or fleet compositions. We negotiate on your behalf and ensure that the terms in place reflect how your fleet operates.
How we protect your business
Fleet Motor
Core cover for your vehicles, third party, fire and theft, or comprehensive, structured to reflect your fleet composition and use. Cover can be written on an any driver basis or with named driver restrictions, depending on your operation and risk profile.
Goods in Transit
For businesses carrying their own goods or customers' property, cover for loss or damage to the load while in transit, addressing the gap between your vehicle policy and the liability you carry for what's on board.
Fleet Legal Expenses
Cover for the legal costs arising from motor incidents, including pursuing uninsured losses and defending prosecutions, reducing the financial exposure of fleet incidents beyond the immediate vehicle damage or liability.
Breakdown and Assistance
For fleets where vehicle downtime has a direct operational impact, breakdown cover ensures that recovery, onward travel, and repair are managed efficiently.
Employers Liability
If your drivers are employees, EL cover is a legal requirement. In a fleet context, the relationship between motor incidents and employer liability claims makes this an area that needs careful consideration.
Management Liability, Commercial Crime
For details on these covers and why every business needs them, see our Essential Cover page.
Speak to a specialist about your motor fleet risks.
From reviewing your existing programme to supporting fleet growth or adapting cover as your business changes, we're here to ensure your insurance continues to reflect the way you operate